Community Bank & Trust Mortgage Lending & HMDA Data, 2003
In 2003, Community Bank & Trust of Ashland City, TN reported 89 mortgage applications totaling $5.4 million. The average application was for $61,000, and applicants reported an average income of $64,898. 89% of its applications resulted in an originated loan and 6% were denied. Its largest market was Nashville, TN (86).
| Mortgage Company & Address | Community Bank & Trust 575 S. Main Street Ashland City, TN 37015 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 89 |
| Total Mortgage Loan Application Amount | $5,429,000 |
| Average Mortgage Loan Application Amount | $61,000 |
| Highest Mortgage Loan Application Amount | $550,000 |
| Average Applicant Income | $64,898 |
| Highest Applicant Income | $302,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Community Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Nashville, TN | 86 | $ 5,263,000 | $ 61,197 | $ 73,000 |
Mortgage Loan Application Detail Totals for Community Bank & Trust in 2003
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing (home purchase or home improvement, one-to-four family) | 37 | $2,508,000 | $67,000 | $550,000 | $63,000 | $130,000 |
| Home Purchase (one-to-four family) | 29 | $2,401,000 | $82,000 | $285,000 | $95,000 | $302,000 |
| Home Improvement (one-to-four family) | 23 | $520,000 | $22,000 | $126,000 | $30,000 | $86,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 85 | $5,135,000 | $60,000 | $550,000 | $68,000 | $302,000 |
| Asian or Pacific Islander | 1 | $153,000 | $153,000 | $153,000 | $72,000 | $72,000 |
| Black | 1 | $32,000 | $32,000 | $32,000 | $80,000 | $80,000 |
| Information not provided by applicant in mail or telephone application | 1 | $39,000 | $39,000 | $39,000 | $48,000 | $48,000 |
| Not applicable | 1 | $70,000 | $70,000 | $70,000 | $130,000 | $130,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 89 | $5,429,000 | $61,000 | $550,000 | $70,000 | $302,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 79 | $4,937,000 | $62,000 | $550,000 | $77,000 | $302,000 |
| Application Denied By Financial Institution | 5 | $154,000 | $30,000 | $62,000 | $32,000 | $60,000 |
| Application Approved But Not Accepted | 4 | $299,000 | $74,000 | $125,000 | $77,000 | $232,000 |
| Application Withdrawn By Applicant | 1 | $39,000 | $39,000 | $39,000 | $48,000 | $48,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Community Bank & Trust's 2003 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Community Bank & Trust's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Tennessee, download the full spreadsheet
with aggregated HMDA statistics today.
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